QDROs, Forensic Tracing, and Pension Valuation. Nationwide.

Dividing Retirement in Divorce, Handled.

TOVA is the firm divorce attorneys rely on for the retirement piece of a divorce. Qualified Domestic Relations Orders (QDROs), forensic tracing of 401(k)s and IRAs, pension present value, records discovery, and settlement language review. One firm handles the whole retirement piece, or just a single QDRO if that is all you need.

Need only one standard QDRO because the divorce terms are already settled? That is a $700 flat project fee. TOVA can handle that single order by itself, or step in more broadly when the case needs records discovery, tracing, valuation, settlement-language review, and plan-specific QDRO preparation.

One firm for the whole retirement piece. Drafted to each plan's rules, in every state.

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$373,000 recovered in a single case $700 flat standard QDRO Nationwide

"I read the QDRO, it's extremely detailed, it's very thorough."

Judge, Connecticut Superior Court, Judicial District of Stamford-Norwalk

What We Handle

Dividing Retirement Accounts in Divorce, Start to Finish

Find the records. Trace the marital and non-marital value. Review the language. Prepare the QDRO.

Records Discovery

Find retirement records the plan says are gone.

Older records may still exist. We help identify what to ask for and where to look.

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Forensic Tracing and Pension Valuation

Calculate the marital share before settlement.

Forensic tracing for the marital portion of 401(k)s, 403(b)s, and IRAs. Present value and coverture for pensions.

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Settlement Language Review

Review retirement language before the agreement is signed.

Free review when TOVA prepares the order, so plan issues are caught early.

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QDRO Preparation

Prepare the QDRO, drafted to the plan's own rules.

QDROs for private and governmental plans, COAPs for federal civilian retirement, RBCOs for the TSP, and IRA transfers. $700 flat for a standard QDRO.

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Specialty Cases

Foreign divorce order, governmental plan, or another specialty retirement issue? We handle specialized retirement division too.

See All Services and Fees

Proof

A Real Case. A Real Result.

$373,000

in non-marital retirement funds recovered, from records the plan first called gone.

A client was told the older records were unavailable. We helped find where the data still existed, reviewed it, and separated the non-marital portion of the account. This is why records, tracing, and settlement language need review before the order is prepared.

One firmRecords, tracing, valuation, drafting, and review handled in-house, with no handoffs.

Records firstDocumented gaps, not assumptions, so the number holds up in court.

Court-defensibleBuilt so the plan accepts the QDRO and the file survives cross-examination.

Meet the Firm

Built for This

One Firm for the Whole Retirement Piece

TOVA runs retirement division as a system, not a side service. Structured intake, consistent work, and the same standard on every case, in every state.

One firm, one roofRecords, tracing, valuation, drafting, and review in one place, so nothing drifts between offices.

Every plan, every stateEvery plan brings its own rules. We draft the QDRO to those rules and to the custodian's requirements, nationwide.

Consistent outputThe same court-ready standard whether the case is in New York, Colorado, or anywhere else.

Free Tools

Free Tools for Attorneys

Practical guides and forms you can share with clients. No class required. Request what you need and we will send it to you.

For attorneys

Federal Retirement Division Guide

FERS, CSRS, the Thrift Savings Plan, and military retired pay in divorce, in one reference.

Request it →

Records

Records Discovery Intake Form

For a stuck tracing case, when statements are missing or the plan says the records are gone.

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For your clients

QDRO Client Guide

A plain-language guide to hand a divorcing client, so you do not have to explain it twice.

Request it →

See All Free Tools

Start Here

Start With What You Have

We work with attorneys nationwide. Send the most recent retirement statement, the settlement language, or a description of what is missing. Sharon Edelman is the first point of contact on every new case and will route it.

New cases, nationwide

Start with the intake form, or reach Sharon directly. One gatekeeper for New York, Colorado, and every other state.

Start a Case Email sedelman@tovaretirement.com · Call (516) 200-1074

Already working with us? Email sedelman@tovaretirement.com and Sharon will route you, or see the contact page for full details.

QDRO by State

Retirement Division Is State-Specific

Every state divides retirement assets under its own rules and pension systems. We prepare retirement division orders in all 50 states.

New York→ Colorado→ California→ Connecticut→ Florida→ Illinois→ Massachusetts→ New Jersey→ Ohio→ Pennsylvania→ Texas→ Virginia→ Washington→

Do not see your state? We work nationwide. Send us your case and we will route it.

See All 50-State Guides

Ready to Move the Retirement Piece Forward?

Send the plan type and the most recent statement. We confirm scope and a flat project fee before any work begins.

Start a Case

Also from TOVA: attorney training and the Beyond the Bar Podcast.